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All Journal Jurnal Pengabdian Mandiri Sejahtera: Jurnal Inspirasi Mengabdi Untuk Negeri Jurnal Manajemen Riset Inovasi Pemberdayaan Masyarakat: Jurnal Aksi Sosial Jurnal Riset Multidisiplin Edukasi Ar-Rasyid: Jurnal Publikasi Penelitian Ilmiah
Achmarul Fajar
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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Pengaruh Digital Banking terhadap Kepuasan Nasabah pada Era Transformasi Digital Achmarul Fajar; Aprial Trihandy; Syindina Anansyah; Siti Aisyah legenda
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 5 (2026): Jurnal Riset Multidisiplin Edukasi (Mei 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i5.1891

Abstract

Digital transformation has driven the banking industry to develop technology-based services, one of which is digital banking. The implementation of digital banking is expected to improve service quality and customer satisfaction amid increasingly dynamic changes in consumer behavior and needs. This study aims to analyze the effect of digital banking on customer satisfaction in the era of digital transformation. The research method employed is a literature review with a qualitative approach, using secondary data obtained from various relevant national and international journal articles related to digital banking and customer satisfaction. Data analysis techniques were conducted through the identification, selection, and synthesis of findings from previous studies. The results of the review indicate that digital banking generally has a positive effect on customer satisfaction, as reflected in ease of use, transaction speed, system reliability, and enhanced customer experience. However, several challenges, such as data security issues, system disruptions, and differences in levels of digital literacy, remain factors that may influence customer satisfaction. This study concludes that the success of digital banking in improving customer satisfaction largely depends on the quality of digital services, system security, and the bank’s ability to adapt its services to the needs and characteristics of its customers. The findings of this study are expected to serve as a reference for the banking industry and future research related to the development of digital banking services.
Analisis Pengaruh Penggunaan Uang Elektronik (E-Wallet) terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi & Bisnis di Universitas Madura Achmarul Fajar; Salwa Andina Agustin; Maulidatus Sholihah; Arikatul Faradies
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 5 (2026): Jurnal Riset Multidisiplin Edukasi (Mei 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i5.1907

Abstract

Advances in digital technology, particularly the use of e-wallets, have brought about significant changes in students’ transaction patterns and consumption behavior. The convenience, speed, and various promotions offered have made e-wallets increasingly popular among students, but they also have the potential to encourage consumerist behavior. This study aims to analyze the influence of e-wallet use on the consumerist behavior of students in the Faculty of Economics and Business at Madura University. The method used is a qualitative approach with a phenomenological research design. Data were collected through online questionnaires, interviews, and observations of 100 respondents selected using purposive sampling. The results indicate that e-wallet usage increases transaction frequency and encourages impulsive purchases, particularly for lifestyle-related products. Furthermore, most students do not have the habit of tracking their expenses, making it difficult for them to manage their finances. On the other hand, e-wallets also offer benefits such as transaction efficiency and easy access to digital services. Thus, the use of e-wallets has a dual impact: it serves as a tool that facilitates transactions while simultaneously having the potential to accelerate consumer behavior if not balanced with financial literacy and good self-control.
SINERGI INKLUSI KEUANGAN DAN LITERASI KEUANGAN DALAM EKOSISTEM DIGITAL TERHADAP KINERJA UMKM DI KOTA SURABAYA Fredy Apritama Djunaidi; Galang Febriansyah; Ach. Royis Rizaldy; Adam Ahmad; Achmarul Fajar
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 5 (2026): Jurnal Riset Multidisiplin Edukasi (Mei 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i5.1908

Abstract

This study aims to analyze the synergy between financial inclusion and financial literacy within the digital ecosystem and its impact on the performance of Micro, Small, and Medium Enterprises (MSMEs) in Surabaya City. The rapid development of digital financial services such as mobile banking, e-wallets, and QRIS has provided broader access for MSMEs to engage with formal financial systems. However, the utilization of these services is still not optimal due to the limited level of financial literacy among business actors. This research employs a descriptive qualitative approach using a literature review method by examining various academic journals, books, and official institutional reports. The findings indicate that financial inclusion in the digital ecosystem improves access to financing, enhances transaction efficiency, and supports market expansion for MSMEs. Meanwhile, financial literacy plays a crucial role in improving financial management capabilities, decision-making processes, and risk control (Lusardi & Mitchell, 2014). Furthermore, this study finds that the synergy between financial inclusion and financial literacy produces a more significant impact on MSME performance compared to when these variables are applied separately. MSMEs that have both access to financial services and adequate financial knowledge tend to experience improvements in income, operational efficiency, competitiveness, and business sustainability (Demirgüç-Kunt et al., 2018). In the context of Surabaya, the digital ecosystem acts as a supporting factor that strengthens this relationship. Therefore, strengthening financial literacy and expanding digital financial inclusion are essential strategies to improve MSME performance sustainably (OJK, 2023).
Co-Authors A. Yudi Heryadi Ach. Royis Rizaldy Adam Ahmad Aprial Trihandy Arikatul Faradies Devi Lestari Paramita Putri Dinda Dwi Syachputri Priandini Enjang Tri Fauwas Fredy Apritama Djunaidi Galang Febriansyah Habbibur Rohim Irsatus Solehah Junaidi Efendi Kasanova, Ria Kusyairi Kusyairi Kusyairi, Kusyairi M. Khoiri Maulidatus Sholihah Maulidi Insan Kamil Moh Dimas Dwi Prima Moh Norkholis Muhammad Nazaldholifun Nafsi Nur Syakherul Habibi Nurul Alfian Nurul Lutfiah Rachman Hakim Rahman, Fadali Rani Nur Fitrianti Rifki Riyadi Rohmaniyah Rohmaniyah Runik Puji Rahayu Salwa Andina Agustin Sinta Nur Emilia Siti Aisyah legenda Siti Salama Amar Subhan Subhan Syaiful Syaiful Syindina Anansyah UMAR FARUK Ustman Ustman Zef Risal Zufawra Ramadhani